What is insurance fraud?

American Public Life Insurance Company (APL) defines fraud as, "An intentional misrepresentation of facts fabricated with the intent of deceiving or cheating another."

APL recognizes insurance fraud exists in the insurance industry. It's the policy and mission of the company to strive to protect our customers through the employment of an effective and diligent Anti-Fraud program. Our Special Investigation Unit (SIU) takes a proactive approach in our detection and investigation of fraud and abuse. 

SIU's Mission

It's the mission of APL's SIU to protect the company, our customer and to aid in the reduction of dollars lost due to fraud by:

  • Preventing, detecting and deterring fraud
  • Investigating and reporting suspected or known fraudulent activity
  • Maintaining compliance with all state anti-fraud requirements
  • Educating APL colleagues in recognizing fraud indicators in the job they perform


Reporting Scams

Occasionally, we receive reports of phone calls, sweepstakes notices, checks or emails that appear to be from American Public Life Insurance Company but are not authorized by us. 

Scam phone calls from one or more individuals

The phone call claims to be from the Federal Trade Commission or another legitimate entity and informs recipients they have won a prize from a Charitable Foundation, which is usually a legitimate company as well. APL is mentioned in this verbal exchange.

Scam letters

These letter can appear to be from the Consumer and Merchandise Reward Promotions International, Inc. or from the Consumer Protection Department and inform the recipient they're the winner of a drawing in a sweepstakes or promotional draw and may list numerous known retail stores.

Scam emails

These emails appear to be from APL colleagues, but the email address domain is not @ampublic.com and may include "Invoice" in the subject line.


Our Response

APL is not associated with any of the individuals responsible for these phone calls, letters emails and/or checks.

APL does not award prizes at random.

Our business provides benefits and services to our customers. We will never issue "prize checks" or send prize-winner notifications. Scammers are creating fraudulent and bogus checks with American Public Life as the Payor.

Action to take If you are contacted

  • By phone call - do not follow directions from individuals who ask for personal information
  • By check - do not attempt to cash this check as it is counterfeit
  • By email - do not click on any hyperlinks or open any attachments in the email

Who to contact

If you received a phone call, letter, email and/or check please contact hoax@ampublic.com. We're reporting all matters to the appropriate authorities.


Fraud Contact Form:

Contact SIU Online You may remain anonymous

Fraud and Ethics Hotline:

800-Tip-Offs (800-847-6337) You may remain anonymous

Fraud Fax:


Mailing Address:

ATTN: Special Investigation Unit

American Public Life

PO Box 25523

Oklahoma City, OK 73125-0523